March 12, 2026 – The analysis house subjected animal health and animal surgery insurance policies for dogs to product scoring. Three tariffs received the highest rating of six compasses. In addition to the Uelzener “Dog health insurance #2025 including death benefit component and precautionary component”, these were also the surgical offers “Premium plus including dental & dog assistance” from Hansemerkur and the “Dog surgery insurance #2025” from Uelzener. A total of 36 animal hospital and 29 animal surgical solutions from eleven product providers were evaluated.
Ascore Das Scoring GmbH has once again taken a close look at the condition quality of animal health and animal surgery (OP) policies and presented the current results of the product scoring update on Thursday.
One point per requirement fulfilled
Table of Contents
The product scoring for dogs is based on a comparison of 30 (animal sick) and 23 (animal surgery) requirements. In addition to numerous questions that have to be answered with “yes” or “no”, a benchmark has been defined for certain requirements, which is based on common market standards. If this hurdle is met, the insurer receives one point.
How well the specified standard is met is not taken into account. If the benchmark is missed, the analysts do not award any points. Falling short of a benchmark cannot be compensated for by exceeding another criterion.
The points are finally converted into compasses. The highest grade is six of these direction indicators (“outstanding”). In the worst case, only a compass (“weak”) is awarded. The ratings in between are “excellent” (five compasses), “very good” (four compasses), “good” (three compasses) and “fair” (two compasses).
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Up to 30 scoring criteria
The test points for the animal health policies are divided into the nine areas of application/contract, scope of cover, alternative healing methods, surgery, dental treatment and dental surgery, preventive services, undesirable developments, abroad and other. When it comes to surgical insurance, there are five areas: application/contract, scope of cover, dental treatment and dental surgery and abroad.
The criteria range from “A” for “congenital malformations insurable” to “H” for “maximum admission age” and “aids and orthoses” to “Z” for “tooth extraction”. In the area of surgical insurance, in addition to the performance characteristics for caesarean sections, prostheses and minimally invasive operations, it was also taken into account whether unknown congenital abnormalities were also insured when the contract was concluded.
In addition to the 30 (23) score criteria, the analysis includes 44 (30) “IR criteria” (Individual Research). According to the information, these “supplement the evaluation with further information and provide additional guidance for product comparisons and detailed analyses.”
New checkpoints
For the current update, numerous new aspects have been added to the test catalog. In addition to the criteria “waiver of compulsory vaccination”, “waiver of mandatory microchip implantation” and “behavioral therapy”, this also includes, among other things, whether an animal is insurable even if an operation has been carried out within the last six months.
Recently, questions have also been asked about the waiting time for special illnesses or abnormal developments (benchmark: less than or equal to twelve months) as well as for prostheses, implants, orthoses and aids or the like (benchmark: less than or equal to six months).
For the first time, tariffs with the highest rating
As part of the scoring update, the analysis house examined a total of 36 animal hospital and 29 animal surgery tariffs from eleven companies. Of these, one in animal sickness and two in animal surgery received the highest grade of “outstanding”. Last year, no test candidate achieved this (VersicherungsJournal March 17, 2025).
More than every third (previous year: just over every fourth) offer in the animal sick segment has currently been considered with five of the directional indicators. 25 (45) percent of the test candidates received four compasses. Just under (good) every fifth offer received three direction indicators, and every eighth (seventh) test candidate received two compasses. Recently the grade “weak” was given.
In the area of animal surgery, almost every second (previous year: every fourth) product was considered with five of the direction indicators, and every fifth (second) test candidate with four compasses. Every seventh (fifth) offer received three directional indicators. Every seventh (fifth) examinee did not get beyond “sufficient” (two compasses). A worse grade was not given.
The best animal hospital and animal surgery offers for dogs
In the animal sickness segment, only Uelzener Allgemeine Versicherungs-Gesellschaft aG received the highest score of six compasses for its offer “Dog health insurance #2025 including death benefit module and precautionary module”. Without the building blocks, five compasses popped out. We managed this too
When it came to surgical insurance, the analysts gave the highest marks to the Hansemerkur product “Premium plus including dental & dog assistance” and to the Uelzener company’s “Dog surgery insurance #2025”. Five directional indicators were awarded
- “Premium” and “Premium Plus” from Adcuri and Barmenia,
- the products “Comfort”, “Premium” and “Smart” from Allianz Versicherungs-AG,
- the Arag offers “Comfort” and “Premium”,
- the “all-round protection including SOS protection” from Cleo & You,
- the Hansemerkur offers “Premium”, “Premium including tooth & assistance dog” and “Premium plus” as well
- “Superior” from Hepster, a brand of Moinsure GmbH.
